I think it's just a question of where on the 'tin-foil helmet' scale one stands, really. Some folks are reticent by nature, and will only advance the minimum required, just because that's the way they're comfortable. Others are more 'devil may care', and some would even have their PIN code tattooed on their forehead with no qualms. There are those that dig atomic shelters, and others go naked, and all sorts in between. 'Nowt so queer as folks' covers much of these musings, in my view.